Comments
yourfanat wrote: I am using another tool for Oracle developers - dbForge Studio for Oracle. This IDE has lots of usefull features, among them: oracle designer, code competion and formatter, query builder, debugger, profiler, erxport/import, reports and many others. The latest version supports Oracle 12C. More information here.
Cloud Expo on Google News
SYS-CON.TV
Cloud Expo & Virtualization 2009 East
PLATINUM SPONSORS:
IBM
Smarter Business Solutions Through Dynamic Infrastructure
IBM
Smarter Insights: How the CIO Becomes a Hero Again
Microsoft
Windows Azure
GOLD SPONSORS:
Appsense
Why VDI?
CA
Maximizing the Business Value of Virtualization in Enterprise and Cloud Computing Environments
ExactTarget
Messaging in the Cloud - Email, SMS and Voice
Freedom OSS
Stairway to the Cloud
Sun
Sun's Incubation Platform: Helping Startups Serve the Enterprise
POWER PANELS:
Cloud Computing & Enterprise IT: Cost & Operational Benefits
How and Why is a Flexible IT Infrastructure the Key To the Future?
Click For 2008 West
Event Webcasts
The Clock Is Ticking for Last Minute Shoppers: Consolidated Credit Provides Gift Ideas and Tips to the Latin Community

FORT LAUDERDALE, FL -- (Marketwire) -- 12/19/12 -- With less than a week before Christmas, only half of U.S. consumers who are planning to buy holiday gifts have started shopping, according to market research company NPD Group Inc. ConsolidatedCredit.org advises Latinos to evaluate their finances before rushing to the mall and making impulse buys.

According to the National Retail Federation (NRF), consumers will spend an average of $749.51 on gifts, decorations, and greeting cards, up from last year's $740.57. Consumers are expected to spend a total of $586.1 billion this holiday season, according to the NRF.

Howard Dvorkin, CPA and founder of ConsolidatedCredit.org, warns consumers that waiting until the last second to go holiday shopping can threaten consumers' financial stability.

"Procrastinating shoppers not only risk not finding the gifts they were looking for, but they are in danger of overspending and incurring credit card debt. These consumers end up paying for gifts six months or more after the holidays are over," said Dvorkin.

Latinos who already have debt should be especially careful with their spending, Dvorkin said. According to the NAACP, 79 percent of Latinos carry credit card debt compared to 54 percent of Caucasian households.

Dvorkin's last minute shopping tips are:

  • Designing a quick and effective plan before going holiday shopping is essential. Since time is short, assign a gift for each person and choose the stores that offer the best deals. Keep in mind that most stores will close earlier than usual on Christmas Eve.
  • Some individuals just love to buy presents. Select a couple of friends who enjoy going shopping and ask them to pick up some presents or help with the gift list.
  • E-gift cards can be the perfect solution for those consumers who are running out of time. After all it's hard to choose presents that people actually enjoy, and gift cards give individuals the flexibility to purchase what they truly like. Visit giftcards.com or giftcertificates.com to select different retail stores and card designs.
  • During the holiday hustle and bustle it is hard to determine why we purchase presents for our loved ones. Some questions to consider before making a purchase are: Will the person enjoy, use and appreciate the gift? Could I find this gift, or a comparable gift, for less money somewhere else?
  • For those consumers who just won't step in the mall during the holidays, a magazine subscription can be a great gift option. Most magazines sell subscriptions online at very affordable prices. If shipping takes a long time, wrap a current copy of the magazine and write a letter saying that the next magazine will be arriving soon.

For information in Spanish visit http://espanol.consolidatedcredit.org, http://www.facebook.com/ConsolidarCredito or call 1-800-774-0141.

About Consolidated Credit:

Consolidated Credit, founded in 1993, is one of the nation's largest credit counseling organizations in the country and has helped over 5 million people with financial issues. Their mission is to assist families throughout the United States in ending financial crisis and solving money management problems through education and professional counseling.

Add to Digg Bookmark with del.icio.us Add to Newsvine

Contact
Ines Mato
Consolidated Credit Counseling Services, Inc.
Toll Free: 1.800.728.3632 Ext. 9339
Email Contact

About Marketwired .
Copyright © 2009 Marketwired. All rights reserved. All the news releases provided by Marketwired are copyrighted. Any forms of copying other than an individual user's personal reference without express written permission is prohibited. Further distribution of these materials is strictly forbidden, including but not limited to, posting, emailing, faxing, archiving in a public database, redistributing via a computer network or in a printed form.

Latest Cloud Developer Stories
SYS-CON Events announced today that ElasticBox is holding a Hackathon at DevOps Summit, November 6 from 12 pm -4 pm at the Santa Clara Convention Center in Santa Clara, CA. You can enter as an individual or team of up to 10 developers. A New Star Is Born Every Month! All complet...
Ixia develops amazing products so its customers can connect the world. Ixia helps its customers provide an always-on user experience through fast, secure delivery of dynamic connected technologies and services. Through actionable insights that accelerate and secure application an...
Cloud services are the newest tool in the arsenal of IT products in the market today. These cloud services integrate process and tools. In order to use these products effectively, organizations must have a good understanding of themselves and their business requirements. In his...
SAP is delivering break-through innovation combined with fantastic user experience powered by the market-leading in-memory technology, SAP HANA. In his General Session at 15th Cloud Expo, Thorsten Leiduck, VP ISVs & Digital Commerce, SAP, will discuss how SAP and partners provi...
SYS-CON Events announced today that Calm.io has been named “Bronze Sponsor” of DevOps Summit Silicon Valley, which will take place on November 4–6, 2014, at the Santa Clara Convention Center in Santa Clara, CA. Calm.io is a cloud orchestration platform for AWS, vCenter, OpenStac...
Subscribe to the World's Most Powerful Newsletters
Subscribe to Our Rss Feeds & Get Your SYS-CON News Live!
Click to Add our RSS Feeds to the Service of Your Choice:
Google Reader or Homepage Add to My Yahoo! Subscribe with Bloglines Subscribe in NewsGator Online
myFeedster Add to My AOL Subscribe in Rojo Add 'Hugg' to Newsburst from CNET News.com Kinja Digest View Additional SYS-CON Feeds
Publish Your Article! Please send it to editorial(at)sys-con.com!

Advertise on this site! Contact advertising(at)sys-con.com! 201 802-3021



SYS-CON Featured Whitepapers
ADS BY GOOGLE